V2 12/11/62 0 V2 12/11/62 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in the Third Quarter of 2019 The Thai economy in the third quarter of 2019

V2 27/08/63 0 V2 27/08/63 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in the Second Quarter of 2020 The Thai economy in the second quarter of 2020

Ref: NEP065-2018 May 9, 2018 Subject: The Entry into the Connected Transaction To: President The Stock Exchange of Thailand NEP Realty and Industry Public Company Limited (“the Company”) would like

Ref: NEP065-2018 May 9, 2018 Subject: The Entry into the Connected Transaction (RevisePDF) To: President The Stock Exchange of Thailand NEP Realty and Industry Public Company Limited (“the Company

portfolio from short-term to long-term. As a result, non-current liabilities increased of 132.60 million baht. The Company's debt to equity ratio as at 30 September 2020 is 1.77 times. (as at 31 December 2019

the Company had resolved the resolution to the Company that it shall cease metals trading business at the end of the first quarter of 2019. (“Discontinued operation”) Padaeng Industry Public Company

which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

: Thousand Baht) Product Type 2018 2017 Increase % Thousand Baht % Thousand Baht % (Decrease) Consumer Products 854,950 53.0 965,475 59.0 (110,525) (11.4) Industry Products 677,033 41.9 671,687 41.0 5,346 0.8

of Thailand data, at the end of December 2016, reported the total numbers of credit card industry amounted to 23.2 million cards, has grown by 6% more than last year. Credit Card Receivables was

(Unit : Thousand Baht) Product Type 2018 2017 Increase % Thousand Baht % Thousand Baht % (Decrease) Consumer Products 854,950 53.0 965,475 59.0 (110,525) (11.4) Industry Products 677,033 41.9 671,687 41.0